Call reports 2007
COMMERCIAL TRUST COMPANY OF FAYETTE — 2007
What COMMERCIAL TRUST COMPANY OF FAYETTE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 90,811,000 | 91,291,000 | 93,238,000 | 100,800,000 |
| Total loans | 71,765,000 | 73,223,000 | 74,761,000 | 74,877,000 |
| Allowance for loan losses | 949,000 | 823,000 | 816,000 | 811,000 |
| Securities available for sale | 10,195,000 | 11,834,000 | 11,809,000 | 5,737,000 |
| Securities held to maturity | 129,000 | 126,000 | 121,000 | 119,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,282,000 | 73,838,000 | 75,533,000 | 83,090,000 |
| Interest-bearing deposits | 64,074,000 | 65,247,000 | 65,913,000 | 73,452,000 |
| Noninterest-bearing deposits | 9,208,000 | 8,591,000 | 9,620,000 | 9,638,000 |
| Equity capital | 9,976,000 | 9,898,000 | 9,949,000 | 9,964,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,355,000 | 2,762,000 | 4,179,000 | 5,611,000 |
| Interest expense | 625,000 | 1,277,000 | 1,944,000 | 2,639,000 |
| Net interest income | 730,000 | 1,485,000 | 2,235,000 | 2,972,000 |
| Noninterest income | 125,000 | 252,000 | 375,000 | 504,000 |
| Noninterest expense | 527,000 | 1,034,000 | 1,546,000 | 2,075,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 328,000 | 703,000 | 1,064,000 | 1,426,000 |
| Income tax | 112,000 | 244,000 | 368,000 | 625,000 |
| Net income | 216,000 | 459,000 | 696,000 | 801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,879,000 | 9,851,000 | 9,889,000 | 9,916,000 |
| Total capital | 10,602,000 | 10,587,000 | 10,637,000 | 10,666,000 |
| Risk-weighted assets | 57,640,000 | 58,794,000 | 59,769,000 | 59,920,000 |